Date Received: 2023-03-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Gentleman, This complaint is in continuation to : CFPB Case ID : XXXX Case Number : XXXX Wells Fargo has alleged to the CFPB that it is not the appropriate company at issue. Wells Fargo is lying to the CFPB. The submitted Appellate Court Ruling alone is evident that Wells Faro is indeed the appropriate company at issue. In addition to the submitted documentation to my original complaint filed with the CFPB on XX/XX/XXXX, I am attaching further documentation evidencing that Wells Fago is indeed the appropriate company at issue. 1. I have attached the most recent filing from Wells Fargo 's counsel XXXX XXXX XXXX dated XX/XX/XXXX, requesting a " Motion to Substitute Party Plaintiff ''. XXXX XXXX XXXX is acting as Counsel for Wells Fargo, PHH Mortgage and XXXX XXXX XXXX XXXX. I have also attached my opposition to this motion. There is a scheduled hearing set for XX/XX/XXXX. Wells Fargo is claiming they assigned the Mortgage and Note to XXXX XXXX XXXX XXXX on XX/XX/XXXX. This case has been in litigation since XX/XX/XXXX. As evidenced in the 5th Circuit Court of Appeals ruling I submitted on XX/XX/XXXX, the Appellate Court Reversed and Remanded the case finding Wells Fargo failed in submitting evidence proving it is the proper party to enforce the promissory note at issue on XX/XX/XXXX. The Notice of Ownership Change dated XX/XX/XXXX verifies that the subject mortgage was transferred on XX/XX/XXXX. The trial court granted Wells Fargo summary judgement on XX/XX/XXXX. I was granted an appeal on XX/XX/XXXX. The Appellate Court Reversed and Remanded the trial courts summary judgement in favor of Wells Fargo on XX/XX/XXXX. Wells Fargo has failed in proving it holds ownership of the Mortgage and Note at issue, yet they are claiming they assigned the Mortgage and Note to XXXX XXXX. Wells Fargo had no legal right to assign a Mortgage and Note to XXXX XXXX XXXX XXXX in which they do not own. 2. PHH mortgage has responded to the CFPB claiming they have no active litigation in this case. As evidenced in the attached email from Wells Fargo 's counsel XXXX XXXX XXXX, PHH Mortgage was well aware the case was in litigation. They are flat out lying to the CFPB. They also state in their response that they provided me with copies of pertinent loan documents validating the debt. As evidenced in the submitted Appellate Court Ruling, the falsified and fraudulent affidavits submitted by both PHH Mortgage and XXXX XXXX were invalidated. PHH Mortgage also states in their XX/XX/XXXX response that on XX/XX/XXXX XXXX XXXX filed a Petition to Enforce Promissory Note with Recognition of Mortgage. It is quite obvious that Wells Fargo, XXXX and PHH are all involved in the predatory mortgage servicing practice. XXXX. I have also attached the Original Assignment of Mortgage from XXXX Mortgage in the True and Correct amount of {$110000.00}. The attached Corrective Assignment was fraudulently altered to {$210000.00}, and was fraudulently signed by a XXXX XXXX, acting as assistant secretary of XXXX, also an employee of XXXX Mortgage XXXX Please review the attached assignments. I Greatly appreciate your time and assistance! Kindest Regards, XXXX XXXX
Company Response:
State: LA
Zip: 70003
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have had my mortgage with PHH mortgage now for 2 years. After the 2 years I reached out to PHH to have my house revalued to drop my PMI ( appraisal completed in XXXX ). The value came in at {$330000.00} with my balance owed at {$270000.00}. This puts my XXXX at 80.68 %. They reached out and informed me it would not be canceled due to not below 80 % which makes sense. However I asked them to recalculate my PMI based off my new XXXX. They have refused stating that in my closing package there is a doc that states it will not be recalculated for 11 years. I informed them I think that goes against federal law and if they dont do anything I will be reaching out to the CFPB. They just had their third response with me that they wont be doing anything. I have currently made XXXX payment and XXXX payment since the new value. That is 2 months that PHH has had me over pay my PMI. Thank you for your time.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Ocwen better know these days as, '' PHH '' is involved in fraud ; deep and far reaching. I have filed complaints with the XXXX, I have called upon Government Agency to no avail, and still the fraud continues. In XXXX, once it became clear no real effort on behalf of this Mortgage Servicer was made or ever going to be made to bring this issue to a resolution, I made it clear they would NOT receive further payment. As a direct result of ALL my rights being violated without question, provable and factual ; my ability to earn a living and any semblance of peace and been usurped and in its place conflict and strife, in order to defend my land against these criminals. I have provided all required documents to prove a. my home is paid off, and b. PHH is involved in a fraudulent foreclosure, using deceitful practices akin to those of 2008. As they have not learned their lesson then or now, I will be suing this company. In an attempt to expose this fraud, protect myself, and ALL those who may be affected by such harmful practices with zero protections or help. I am doing this for all those reasons. I've lost so much in fighting this battle ; sleep, money, peace, resources. I intend to get it all back and do my part to expose this. Here I am again reaching out, this is how the working poor are treated. I may not have a formal education, but I'm smart enough to know I have a case, and I'm bringing the fight directly to this mortgage servicers that lies, and lies some more. They'll have to prove all my accounts and recordings are false ; which won't happen. As a result of this servicer dragging this on issues with respect to escrow have come about, issues brought on as a result of this servicer purposeful actions to keep account open, understanding that I would not pay them direct, I'll pay my property taxes on my own for me to send them payment is my acknowledgment that a debt is owed to them which it isn't. This is in protest, that it may reach the right eyes and ears and receive genuine help. XXXX XXXX
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Phh mortgage is responsible for paying my taxes. I pay them the money and it is put in my escrow and they are supposed to pay the taxes. My XXXX school taxes were not paid in the appropriate amount so the check was sent back to Phh mortgage. This resulted in a debt being sent to the tax claims bureau. Phh mortgage sent the tax claims bureau a check for the wrong amount again. It is now XXXX and the debt is still not paid even though Phh claimed they would cover all fees and late charges. I've sent them the new letter stating that my home can be sold if it is not paid by may XXXX and they have ignored every single email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PHH MORTGAGE SERVICES XXXX XXXX XXXX XXXX. XXXX, NH XXXX Phone # XXXX I entered the CARES ACT forbearance XXXX related relief program which was XX/XX/XXXX. I was able to pay mortgage until XX/XX/XXXX. CARES ACT program begin to pay from XX/XX/XXXX, until XX/XX/XXXX, with extended do to XXXX issue from CARES ACT forbearance XXXX Extension. I was scheduled to start making regular payments on XX/XX/XXXX. When I received bill, it stated that I owed XXXX for XXXX, XXXX, XXXX and XXXX. I was only prepared to pay {$1100.00}. XX/XX/XXXX, which was confirm by PHH. PHH did not want any payment unless I paid 3 months back. I made sure this account was verified through CARE ACT forbearance XXXX program every 3 months and was approval by calling in and staying connected with PHH. So, when I called concerning this amount, they told me someone will be calling in 25 to 30 days later to solve issue. They finally gave me a trail period in XX/XX/XXXX. PHH said trail {$1100.00} payments are due for 3 month and no later than 30 days pass each month. I paid for XXXX and XXXX and PHH sent back payment for XXXX and said payment was not sent in and cancel trail period and sent monies back confusing I know. This company have been dragging me alone every 30 days saying that there are going to put me in a modification plan it's been 7 months. At this point no modification and no trail periods. NOW I owe over {$10000.00}. on my home. PHH have deceived me into this situation. Please help. NOTE : From XX/XX/XXXX, I have called in every 3 months to verify payment to be paid or approved to move into an account like a second mortgage will be held without penalties unto XXXX with no fees or penalties under the CARES ACT forbearance program. PHH have deceived me into this problem.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, PHH withdrew {$0.00} from my escrow account for " tax disbursement ''. I called, since my tax bill was significantly higher ( {$2300.00} ). I was told that the {$0.00} was just a placeholder for the actual bill. However, a new disbursement was put against my account on XX/XX/XXXX for the full amount. The {$0.00} was not refunded. I logged into my online account again on XX/XX/XXXX to pay my bill online. I found yet another {$0.00} charge to my escrow account from XX/XX/XXXX. I called PHH, was assured that they would investigate and requested a refund of both false {$0.00} charges and they would reply within 10 business days. I have received nothing, no contact, no explanation, no refund.
Company Response:
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have summitted disbursement requests to this company on XX/XX/2023 and they have not sent it. This happens every time I submit a request. Talking on the phone to them gets me nowhere.
Company Response:
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Phh loan services is the company you want to send complaint to. Thanks Phh mortgage XXXX XXXX XXXXXXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX My current complaint # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mother passed away on XXXX XXXX. We weren't aware that my mother was in trouble with the mortgage company until we received a notice that the property was going to be auctioned on XX/XX/23. My mother was very ill and was not communicating with us the hardship she was facing with the mortgage due to her illness. We collectively as a family decided we wanted to sell the land through a short sale that mortgage was being held against. We since listed the property have been going through the short sale process. An appraisal was completed and when the appraisal was reviewed by the negotiator they found that they appraised the wrong block and lot. On XX/XX/23 an email was sent to them letting them know that they did an appraisal on the wrong lot. We provided them proof of this ( RECORED MORTGAGE, DEED, XXXX XXXX XXXX XXXX ) and requested that the auction be postponed to allow time for them to make the necessary corrections due to their own error giving a reverse mortgage on a vacant lot and for them complete an appraisal on the correct block and lot. As of today, they have not postponed the auction and they have yet to let us know the status of them postponing the auction and continuing with the short sale as long as a new appraisal is completed on the correct lot. We are trying to resolve this issue as we don't want the last thing our mother had to be lost to foreclosure.
Company Response:
State: NY
Zip: 11414
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: First of all, the bank 's attorney did not give me proper notice of a court date. As a result I now have a sale date. I am the trustee of my mother 's estate, and I have a cash buyer that contacted me on XX/XX/2023 about wanting to submit a cash offer for my mother 's property, and can close the transaction in 30 days. The estate of XXXX XXXX XXXX. I was told there was not anyone that could speak with me or the buyer until XX/XX/XXXX. The agent gave me conflicting information so I asked to speak with someone that could help me. This bank should allow me to explore every possible option until I have reached the sale date. To ignore me during this process when I have hired a real estate agent to handle this transaction for me is unfortunate. If I could do the transaction myself, I would ; but, I can't. I can only imagine what others are experiencing. Hopefully, I will be able to get a response from someone on this issue.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A